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7 Steps to a happy 2014!

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  • 30-12-2013 12:06am
    #1
    delthedriver
    Closed Accounts Posts: 4,958 ✭✭✭


    As we approach 2014, just a few thoughts


    1 Be informed Track every centof your spending.Know exactly where your money is going, and that way changes can be made in February and further into 2014.

    2.Lighten the loadGet rid of any holiday debt that may have built up on credit cards and the like as soon as possible. It is hard to make financial progress if burdened down with interest-heavy debt.

    3. Be smart Don't blow a Christmas bonus or cash windfall on a holiday or Champagne to ring in the New Year. Put it securely away, you never know when unexpected costs will arise.

    4.Slim down Go through your monthly bills and figure out what things you can live without, maybe a subscription to a music app that you never use or magazine collection that you never have time to read.

    5. In case of emergency be prepared Start up an emergency savings fund to take the pressure off sudden expenses.

    6.Winter-clean bank accountsGet rid of any old accounts that are not used and which leave you subject to inactivity fees, potential identity theft and other dangers.

    7. Put 10% of your salary away. While a 10 per cent savings is a good goal, that figure doesn't need to be written in stone. If you're not regularly saving anything at all, it's OK to to perhaps start perhaps just 3 per cent or 5 percent. Simply getting into the habit of being a consistent saver is what's important.

    Happy 2014! Be happy:)


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